ワンバンク: 共有カードとAI家計簿アプリ

SmartBank, Inc.

About this app

【What is OneBank?】
OneBank is a next-generation AI-powered household budgeting app that helps you manage your finances effortlessly.
The AI ​​assistant learns your spending patterns and gently supports your next actions. It's easy to use, like a game, with no complicated settings, naturally clearing away your financial anxieties.
It also offers features like couples' money management with pair cards and flexible payments with deferred payment top-ups. It's packed with features to make everyday payments smoother.
Why not start "effortless money management" with OneBank?
(OneBank has changed its name from "B/43")

【OneBank Card Types】
We offer three types (also usable as family cards) to suit your needs. They can be used together with a single app.


For couples and married couples! Two cards for one account. You can issue two cards for a joint account where two people can share the balance. Available even without a marriage relationship.


For those starting out living alone or beginning household budgeting! This card is ideal for managing living expenses for those living alone or for managing personal spending. You can also use the "pay later" option to adjust the amount you use.


Perfect as a child's first card. Issued upon application by a parent or guardian, it can be used by children without a smartphone.

【OneBank Features】

- Can be used like a debit card at Visa merchants such as convenience stores, supermarkets, drugstores, and online shops.
- Usable within the deposit (charge) limit, and deposits can be made free of charge from bank accounts, credit cards, convenience stores, and Seven Bank ATMs.


- Check your current balance and payment history via the app.
- View past balances in graphs to track overspending.


- Receive push notifications when making payments, and these are reflected in your transaction history.
- Quickly detect fraudulent use.


- Monthly expenses are automatically categorized and can be viewed in graphs.
- Automatically creates a household budget.


- Set a monthly budget and easily check your balance for the current month.
- Budgets can be set for each category.
- The "Summary Report" helps in reviewing the budget for the following month.


- Manage money by purpose.
- Weekly budget management is also possible.
- Save money you've saved and use it for other purposes.


- Withdraw cash at Seven Bank ATMs nationwide (fees apply).

<"Post-Payment Charge" for Deposits Anytime, Anywhere>
- Available from the month of deposit until the end of the following month.
- Deposit only the amount you need.
- Deposit amount ranges from a minimum of 3,000 yen to a maximum of 50,000 yen.
- Approval from the partner company is required. 【Recommended for those who:】
・Find using paper household ledgers or budgeting apps troublesome and can't stick with it.
・Manage cash by separating it into envelopes or Muji passport cases.
・Want to roughly budget their monthly living expenses.
・Spend time withdrawing cash from ATMs that don't charge fees.
・Want to break free from monthly installment payments or revolving credit.
・Don't know "how much they spent on what" or "how much they have left to spend."
・Split household expenses with their spouse, partner, or roommate and manage their finances with cash.
・Often split expenses or reimburse expenses with their spouse, partner, or friends.

【How to use OneBank】
Using OneBank is easy in 4 steps. Simply deposit (charge) money using the OneBank app and pay with your Visa prepaid card to reduce unnecessary spending.

＜① Register in as little as 5 minutes with the app＞
・The entire application process is completed through the app and takes as little as 5 minutes.
・The card will be delivered to you by mail. * There is no screening process or age restrictions, and the annual fee is free.

* **② Deposit (Charge)**
* You can deposit money into your OneBank account based on your set budget for the month.
* **We support a wide range of deposit methods, including bank accounts, convenience stores, credit cards, and cash payments.**

* **③ Use for Payment (In-store & Online Shopping)**
* **You can use your OneBank card for payments at any Visa-compatible payment terminal, both in-store and online.**
* **Available payment methods vary depending on the type of card (magnetic stripe card/IC chip card), so please pay according to the type of card you have.**

* **④ Review Your Spending**
* **Notifications received immediately after payment show you at a glance "how much more you can spend?"**
* **Spending data is automatically recorded and categorized. You can see your budget progress by category.**
* **A summary report is sent on the 1st of each month.** You can regularly review your spending.


[Secure Operating System]
- We are certified to PCI DSS, the security standard for the credit card industry, by an external auditing company.
- We offer a compensation service in case of fraud, with compensation up to 100,000 yen available within 30 days. (*Certain conditions apply)
- Smart Bank Co., Ltd., the operating company, is registered as a money transfer service provider (Kanto Local Finance Bureau No. 00084) and is a member of the Japan Payment Service Association.

[Contact Us]
Please send your opinions and bug reports here, not through reviews.
We will do our best to resolve them as smoothly as possible.
https://support.b43.jp/hc/ja/requests/new

What’s new

新機能追加【残高が少なくなったら入金】

・自動入金に「残高が少なくなったら入金」の設定が新しく加わりました！
・ワンバンクカードの残高が少なくなったときに銀行口座から自動で入金できるようになります
・残高不足で支払いに失敗してしまう心配をぐっと減らせます

その他の変更点

・細かい機能の改善や不具合の修正を行いました

ワンバンクへのご意見や不具合のご報告はアプリ内の「お問い合わせ」もしくは、以下のページからお問い合わせください
https://support.onebank.jp/hc/ja/requests/new